By Megan Doyle | American Express Credit Intel Freelance Contributor
8 Min Read | June 2, 2022 in Cards
Gold Card rewards include 4X bonus points on dining and supermarket spending.
Card Members can also enroll in the $120 Dining Credit benefit to earn up to $10 a month in credits at participating partners, along with $10 a month in Uber Cash totaling up to $120 every year.
The Gold Card gives Card Members financial flexibility and flexible repayment options to support their changing lives, with tools such as Pay Over Time and Pay It/Plan It.
Thinking about going for the Gold? Here’s an in-depth look at what the American Express Gold Card offers – plus an explanation of its unique-to-Amex approach to credit limits. It’s important to note that terms apply to all benefits listed below and all offers are subject to change.
New Card Members can earn 60,000 points after spending $4,000 in eligible purchases on their Card within the first six months of Card Membership.1 That could be worth as much as $600 depending on how you choose to redeem them with Amex – or even more if you transfer points to an Amex partner. The Card has a $250 annual fee.2
The Gold Card offers a number of accelerated points-earning opportunities, especially for food lovers:
And when you’re ready to travel – whether you’re taking a last-minute trip or planning a vacation a year in advance – the Gold Card also gets you 3 points per dollar spent on flights booked directly with airlines or through American Express Travel.
Once you’re ready to use the Membership Rewards points you earned by paying with your Gold Card, there are several redemption options:
Note that the value of Membership Rewards points varies according to how you redeem them. Points can typically be redeemed for anywhere from 0.5 cent per point to 1 cent per point.
Rewards aren’t all the Gold Card has to offer. Its dining, hotel, and Uber Cash credits help you save a little extra when doing the things you love.
The Gold Card also can help you get room upgrades when available at participating hotels – though some hotels and resorts have fees that may apply. And when you’re traveling abroad, the Gold Card doesn’t incur the foreign transaction fees that some other credit cards charge.2
Beyond rewards and credits, the Gold Card offers a variety of additional shopping and travel benefits. This includes the opportunity to sign up for a free ShopRunner membership, which gets you complimentary two-day shipping on eligible items. Minimum order may be required. Enrollment required.
Unlike typical credit cards that have a credit limit, the Gold Card has no preset spending limit. This can allow Card Members more purchase flexibility and increase rewards-earning potential. Of course, no preset spending limit doesn’t mean you’ll have access to unlimited spending, but rather that the spending limit is flexible. Purchases are approved based on factors such as your purchase, payment, and credit histories.
In addition, the Gold Card comes with flexible payment options that are similar to credit card features, including:
American Express’ many different credit cards are meant to match various lifestyles. But sometimes one card isn’t a perfect match. If you already have an American Express cash back card, for example, you can still get a Gold Card for earning Membership Rewards points.
The American Express Gold Card offers plenty of ways to earn points – including 4 points per dollar spent at U.S. supermarkets (on up to $25,000 in purchases per year) and restaurants – and redeem rewards. Plus, the Gold Card includes up to $120 in Uber Cash, up to another $120 in dining credits with participating partners, and a number of other perks. Right now, the Gold Card also comes with a welcome offer for new Card Members that can be redeemed for as much as a $600 value or more – as long as you spend at least $4,000 in purchases on the Card within the first six months of Card Membership.